Frequently asked questions

Am I eligible to apply for a credit card?
  • You can apply for a credit card if:

    1. You are between 21 years old and 55 years old; and

    2. Have an annual income of S$30,000 if Singaporean citizen or permanent resident; or

    3. Have an annual income of S$60,000 if foreigner with a valid work pass

    OR if:

    1. You are above 55 years old; and

    2. Have an annual income of S$15,000 if Singaporean citizen or permanent resident; or

    3. Have an annual income of S$60,000 if foreigner with a valid work pass

What do I need to prepare when applying for a credit card?
  • For a Singaporean citizen or permanent resident, we recommend you to use MyInfo as it pre-fills your application form quickly and effortlessly. If you are a foreigner, in addition to Myinfo, you will need to upload or take a photo of your passport and latest payslip.

How can I pay my Trust credit card bill from Trust savings account?
  • You can conveniently pay your Trust credit card bill from your Trust savings account:

    • Log in to the Trust App

    • Tap on ‘Money’ then ‘Credit Card’ then ‘Pay credit card’

    • Your Savings Account should be shown. Select from the available options to make the payment.

    • Review the transfer details. If it is correct, swipe up to confirm.

How can I pay my Trust credit card bill from other banks?
  • You can conveniently pay your Trust credit card bill from your other bank accounts in two ways. Either by adding your Trust credit card number as a local transfer (also sometimes called FAST) or as a transfer to your credit card to make the repayment.

    Scroll down to see instructions on paying your Trust credit card bill using the banking apps from DBS/POSB, UOB, OCBC and Standard Chartered Bank.

    DBS/POSB

    Option 1: Add as a local recipient (payment is instant)

    1. Tap Pay & Transfer > Local > Add Local Recipient > Bank Account

    2. Enter Recipient’s name, select bank as Trust Bank Singapore Limited, and enter your 16-digit Trust card number under Recipient’s account number > Tap Next

    3. Review Recipient’s details. If it is correct, tap on Add Recipient Now

    4. You may have to perform additional verification at this point

    5. Tap again on Pay & Transfer > Local. Select your Trust card

    6. Enter amount to transfer and ensure Transfer via FAST is switched on.

    7. Tap Next.

    8. Review the transfer details. If it is correct, tap Transfer Now.

    Option 2: Add as a credit card recipient (payment will take up to 3 working days to process)

    1. Tap Pay & Transfer > Cards > Add Credit Card Recipient

    2. Enter your 16-digit Trust card number > Select card type to be Singapore – VISA/Master Card > enter first name > enter last name  

    3. Review Recipient’s details. If it is correct, tap on Add Recipient Now

    4. You may have to perform additional verification at this point

    5. Tap again on Pay & Transfer > Cards. Select your Trust card

    6. Enter amount to transfer

    7. Tap Next

    8. Review the transfer details. If it is correct, tap Transfer Now.

    If you have both Trust savings account and credit card, please ensure that your Trust card is paired with credit card before making payment via this mode. For more details on card pairing, please refer to https://trustbank.sg/faqs/credit-card/#how-does-the-card-pairing-work

    UOB

    Add as a local recipient (payment is instant)

    1. Tap Pay & transfer > Other Accounts / Cards > New Transfer > Under Bank Account / Other Institutions (Please do not select Credit Card), select “Trust Bank Singapore Limited” and enter your 16-digit Trust card number under recipient's account number

    2. Enter amount to transfer

    3. Swipe to submit and review the transfer details. If it is correct, slide to confirm the transfer.

    OCBC

    Add as a local recipient (payment is instant)

    1. Tap Local Transfers > Account Number

    2. Tap Add payee

    3. Enter payee name, under Bank//Organisation select Trust Bank Singapore Limited, under account number enter your 16-digit Trust card number and enter your initials. Tap Add Payee to confirm

    4. Review the transfer details. If it is correct, tap Submit. It will take 12 hours before funds can be transferred to your Trust card

    5. Thereafter, tap Local Transfers > Account number

    6. Select your Trust card under the “To” column

    7. Select Transfer Now under When to transfer section

    8. Enter amount to transfer

    9. Slide to submit and review the transfer details. If it is correct, tap Confirm Transfer

    Standard Chartered Bank Singapore

    Option 1: Add as a local recipient (payment is instant)

    1. Tap on menu icon > Transfer & Payments > Local Transfer > Select the account you would like to transfer from > Add Payee

    2. Select Payee Type to be Local > Enter Trust Bank Singapore Limited, Payee Name and enter your 16 digit Trust card number under Payee Account Number and tap Continue

    3. Enter your 6-digit PIN and tap Confirm

    4. Tap on menu icon > Transfer & Payments > Local Transfer > Select your Trust card > Enter amount to transfer

    5. Swipe to complete the transfer

    Option 2: Add as a credit card recipient (payment will take up to 3 working days to process)

    1. Tap on menu icon > Transfers & Payments > Add & Manage Biller > Other Bank’s Credit Card Payee

    2. Enter cardholder’s name and enter your 16-digit Trust card number under account number > Tap Continue

    3. Review payee details. If it is correct, tap Confirm

    4. Enter your 6-digit PIN and tap Confirm

    5. Tap Move My Money

    6. Tap Pay Other Bank Credit Cards

    7. Select the newly added Payee and the account you would like to transfer from

    8. Enter amount to transfer and tap Continue

    9. Review payment details and tap confirm

    If you have both Trust savings account and credit card, please ensure that your Trust card is paired with credit card before making payment via this mode. For more details on card pairing, please refer to https://trustbank.sg/faqs/credit-card/#how-does-the-card-pairing-work

    Pay using other banks’ app

    For all other banks, you can pay for your Trust credit card bill either by adding your Trust credit card number as a local transfer / recipient or as a credit card payment / recipient. Depending on your bank, we will receive your payment in about 3 working days.

    Your credit card payment is due on the date selected by you when you first applied for your Trust credit card. If you do not make payment by the due date, you will have to pay for a late payment fee and interest on the outstanding amount. If you make the minimum payment by the due date, you will have to pay interest on the outstanding amount. For more information, please visit our FAQs on our website or see our customer T&Cs (the legal stuff) on our website or app.

Are zero fees (no annual fee, no cash advance fee, no foreign transaction fee, no card replacement fee and no overlimit fee) valid for a limited time only?
  • No, you can always enjoy zero fees as a Trust customer! For more information on late payment charges, go here.

How do I request for a fee waiver?
  • If you have been charged a late payment fee and would like to request for a waiver, please leave us a message via the Trust in-app chat indicating “fee waiver”. We’ll review your request and you’ll receive an update via push notification within 5 working days.

How long does the application take?
  • Most applications take less than 3 minutes. However, if we need clarifications from you, it may take up to 3 working days.

Am I still entitled to the same benefits if the credit limit on my credit card is S$500?
  • Yes. You are entitled to the same benefits. See the Key Facts Sheet (in our app or on our website) for full details that apply to your card.

What are the features of the Trust credit card?
  • Best rewards on FairPrice Group groceries and food spend 1. See here for Union and non-union member rewards. Terms and conditions apply. No more fees 1. Say goodbye to annual, cash advance, foreign currency and overlimit fees! Peace of mind security and personalised experiences 1. Card repayment date: Choose your own credit card due date and pay whenever. 2. 3D secure: Verify your online shopping transactions in-app for enhanced security. 3. Personalised security settings: Lock/unlock your card and define payment settings with your Trust App instantly. 4. Pair functionality: Easily pair between your credit and debit card. Switch to your credit or savings account with your app to suit your spending needs. 5. Instant digital card: We will instantly issue you a digital card on your Trust App instantly which can be used for online and offline purchases (using Apple Pay and Google Pay). 6. Physical card activation via NFC or code activation: NFC allows you to scan your card by holding it to the back of your phone to activate it automatically. We are the first bank in Singapore to introduce this NFC capability! 7. Track rewards instantly: Track your Linkpoints in real-time as you spend. 8. Spend categorisation: View your financial habits and spend overview all in one place. 9. Spend tracker: Easily keep an eye out on your spending habits via the app. 10. PIN set up: Choose a 6-digit PIN for your card on Trust App to securely access ATM transactions. 11. Numberless card: This is a security feature that protects your credit card against theft and fraud. You can access your card number via your Trust App. Mindful for planet earth 1. Eco-friendly ocean plastic card: Carry a card that's made with recycled ocean plastics. 2. Recycled paper packaging: Your card welcome pack is made of recycled paper, offsetting the carbon footprint of printing your card.

Why was my application for the credit card unsuccessful?
  • All applications go through an internal assessment process, and we consider all applications carefully. Due to the bank's policy and confidentiality guidelines, we cannot reveal the reasons for your unsuccessful application.

Can I really select any repayment date for my credit card during my application?
  • Yes, of course! Start of the month, end of the month, middle of the month, your lucky day of the month - whichever you prefer from 1st to 28th. Do note that your statement date will be 15 days before your repayment date.

When will my credit card statement and repayment dates be?
  • The dates are counted from the issuance date of your digital card. Your first credit card statement date will be in 11-42 days and your first repayment date will be in 25-56 days. For example, if you signed up on 1 March 2022 and chose to make repayments every 24th of the month, your first statement will be issued on 9 April 2022 and your first repayment date will be 24 April 2022. You can view your credit card statement and repayment dates in a few easy steps: 1. Log in to your Trust App 2. Go to 'Money' 3. Select 'Statements' to see your payment due date and next statement date

Why did I get a S$500 credit limit on my credit card?
  • Customers who receive a S$500 credit limit meet the following criteria:

    • Singapore citizens and permanent residents

    • Age 56 years and above 

    • Assessed annual income less than S$15,000

    • No credit card or unsecured loan with Standard Chartered Bank

How do I earn up to 20% fuel savings on my Trust credit card?
  • You will enjoy the following: 17% upfront discount + 0.22% Linkpoints rebate on the nett transaction amount + 3.5% rebate on nett transaction amount if you meet the minimum monthly spend for your card. Do note that the 3.5% rebate will be subjected to the respective card's monthly Linkpoints cap.

I'm a retiree, can I still apply for Trust credit card?
  • Yes, you may qualify for a credit card with a S$500 credit limit (subject to meeting other standard bank requirements), if you meet the below criteria:

    • Singapore citizens and permanent residents

    • Age 55 years and above 

    • Assessed annual income less than S$15,000

    • No credit card or unsecured loan with Standard Chartered Bank

How do I earn 17.1% fuel savings on my Trust debit card?
  • You will enjoy 17% upfront discount and 0.22% Linkpoints rebate on the nett transaction amount.

Where can I find out more about how credit cards work and the latest credit card and unsecured credit rules?
What does zero FX fee or zero foreign transaction fee mean?
  • Trust does not charge any foreign transaction/markup fees, not even the usual 1% Visa charge.

Will I be charged interest for purchases made on my credit card (excluding cash advance)?
  • No, it is interest-free, as long as you make a full repayment by your payment date or within 15 days after your credit card statement is generated.

What are the fees if I don't pay the minimum amount due?
  • There will be a late payment charge of SGD 100 if the minimum amount due is not received by the due date. You will be able to read everything on the relevant interest, fees and charges in this Key Fact Sheet here!

When will I be charged interest?
  • For partial payment or non-payment by the payment due date, an interest of 0.074% (26.9% p.a.) will be charged on: - The unpaid principal in your statement balance, from the date of the previous statement on a daily basis until payment in full; and - The amount of each new transaction (after the previous statement date), from the date your transactions were posted on a daily basis until payment in full. You will be able to read everything on the relevant interest, fees and charges in this Key Fact Sheet here!

How much does cash advance cost?
  • There is no cash advance fee. However, you will incur finance charges for the cash advance, calculated on a daily basis at 0.074% (26.9% p.a.) on the amount withdrawn from the date of the transaction until the date of full payment.

Is there a card replacement fee?
  • No, there are absolutely zero fees for this!

What are the rewards of the Trust credit card and debit card? How do I earn?
  • The table below should help you to understand the rewards better! Union

    FAQs - Union

    1. FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations) and FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend. Transactions must be posted before they qualify.

    2. Eligible Spend refers to all Visa transactions made on your card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spends, with no cap. See our FAQs or Product Terms to find out what transactions are ineligible.

    3. Min Monthly Spend refers to Eligible Spend in a calendar month. However, this criteria is waived for the first calendar month in which your credit card is approved. For example, if your credit card is approved on 1 Feb 2022 or 20 Feb 2022, you will not need to meet the Min Monthly Spend in Feb 2022 and will automatically enjoy the Monthly Bonus Rate for Feb 2022.

    4. Base Rate includes the 0.5% Linkpoints rebate given by FPG for FPG groceries. The additional Base Rate Linkpoints rebate of 2% is exclusive to all FairPrice members (NTUC Union members who are shareholders of FairPrice) for all FPG groceries purchases (excluding Cheers), capped at 12,000 Linkpoints a year.

    5. The Monthly Bonus Rate of 8.5% Linkpoints rebate (or 3.5% on the NTUC Link Debit Card) is applicable on FPG spend. The Monthly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement. The Monthly Linkpoints Cap applies to your total FPG spend in a calendar month. For example, if your credit card is approved on 10 Feb 2022, the Monthly Linkpoints Cap will apply to your total FPG spend in Feb 2022.

    6. The Quarterly Bonus Rate of 8% Linkpoints rebate (or 3% on the NTUC Link Debit Card) is applicable on FPG spend. The Quarterly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement for three consecutive months, starting from the first month that your credit card is approved. For example, if your credit card is approved on 10 Feb 2022, you will automatically meet the Min Monthly Spend for Feb 2022. You will then need to meet the Min Monthly Spend in Mar and Apr 2022 to enjoy the Quarterly Bonus Rate. Similarly, the Quarterly Linkpoints Cap will apply to your total FPG spend in Feb, Mar, and Apr 2022.

    7. 2% FairPrice members bonus (for FairPrice Members only) is applicable for FPG groceries (excluding Cheers) and is subject to approval at the FairPrice Annual General Meeting, capped at 12,000 Linkpoints per annum.


    Non-union

    FAQs - Non-Union

    1. FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations) and FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend. Transactions must be posted before they qualify.

    2. Eligible Spend refers to all Visa transactions made on your credit card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spends, with no cap. See our FAQs or Product Terms to find out what transactions are ineligible.

    3. Min Monthly Spend refers to Eligible Spend in a calendar month. However, this criteria is waived for the first calendar month in which your credit card is approved. For example, if your credit card is approved on 1 Feb 2022 or 20 Feb 2022, you will not need to meet the Min Monthly Spend in Feb 2022 and will automatically enjoy the Monthly Bonus Rate for Feb 2022.

    4. Base Rate includes the 0.5% Linkpoints rebate given by FPG for FPG groceries.

    5. The Monthly Bonus Rate of 7.5% Linkpoints rebate (or 2.5% on the Trust Link Debit Card) is applicable on FPG spend. The Monthly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement. The Monthly Linkpoints Cap applies to your total FPG spend in a calendar month. For example, if your credit card is approved on 10 Feb 2022, the Monthly Linkpoints Cap will apply to your total FPG spend in Feb 2022.

    6. The Quarterly Bonus Rate of 7% Linkpoints rebate (or 2% on Trust Link Debit Card) is applicable on FPG spend. The Quarterly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement for three consecutive months, starting from the first month that your credit card is approved. For example, if your credit card is approved on 10 Feb 2022, you will automatically meet the Min Monthly Spend for Feb 2022. You will then need to meet the Min Monthly Spend in Mar and Apr 2022 to enjoy the Quarterly Bonus Rate. Similarly, the Quarterly Linkpoints Cap will apply to your total FPG spend in Feb, Mar, and Apr 2022.

How does the minimum spend requirement to earn rebates work?
  • You will start earning monthly and quarterly bonus Linkpoints rebates on FairPrice Group (FPG) spend* when meet the monthly and quarterly minimum Eligible Spend outside FPG^. monthly spend requirement. For a delightful start to your Trust experience, you will automatically meet the minimum monthly spend requirement for the month in which your card is approved. For example, if your card is approved on 3 or 28 May, there is no minimum spend requirement for the month of May. *FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations). FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend. ^Eligible Spend refers to all Visa transactions made on your credit card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spend, with no cap.

How are the monthly and quarterly caps on bonus rebates calculated?
  • The monthly cap on the monthly bonus rebates is based on your total FairPrice Group (FPG) spend in a calendar month. For instance, whether your card is approved on 1 July 2022 or 20 July 2022, your monthly cap for the month of July will be based on your total FPG spend on in July 2022. The quarterly cap on the incremental quarterly bonus rebates is based on the first month that your card is approved for total FPG spend. For instance, if your card is approved on 10 July 2022, your quarterly cap will be based on your total FPG spend from July to September 2022. However, if your card is approved on 30 August 2022, your quarterly cap will be based on your total FPG spend from August to October 2022. Please note that the quarterly and monthly caps are distinct and separate. *FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations). FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend.

Does a refund affect my minimum spend for the month?
  • Yes, if the refund takes place in the same month as the month in which the transaction was posted, it will reduce your minimum spend achieved for the month accordingly.

If I have both a credit card and debit card, what will my minimum spend requirement be?
  • In the month that you successfully apply for your second card product, the minimum spend requirement will be based on your first card product - because we understand you may only be able to use your second card much later. However, from the next month onwards, it will be based on the minimum spend requirement of your credit card.

If I have both a credit and debit card, what will my rebate be based on?
  • Your rebate is based on the card that you use. For debit card transactions, the rebate will be that of the debit card. Similarly, credit card transactions will be based on the credit card rebate.

I already have a Standard Chartered credit card. Can I skip the application process to automatically get a Trust credit card?
  • No, you still need to sign up for a Trust credit card. The application process is fully automated so it should be quick and easy. Do note that if you're a Singaporean citizen or permanent resident and your annual income is between SGD 30,000 and SGD 120,000, your credit limit with Trust will be combined with your Standard Chartered credit limit.

I did not make a transaction on my card, but I got charged. How do I raise a dispute?
  • Reach us via: - Live chat or voice call on your Trust App - OR call us at +65 313-TRUST (+65 3138 7878)

How can I pay my credit card bill?
  • Pay your Trust credit card bill from your Trust savings account:

    • Log in to your Trust App

    • Tap on 'Money' then 'Credit Card' then 'Pay credit card

    • Your Savings Account should be shown. Select from the available options to make the payment.

    • Review the transfer details. If it is correct, swipe up to confirm.

    Pay your Trust credit card bill from other bank accounts:

    Log in to your non-Trust Internet/Mobile Banking account and follow these steps:

    Option 1:

    • Select the local Funds Transfer option

    • Select Bank as 'Trust Bank Singapore Limited' and enter your Trust credit card number as the account number and make your payment via FAST. Payment via FAST will reflect immediately in the app

    • If 'Trust Bank Singapore Limited' selection is unavailable, select 'Visa/MasterCard' payment instead and enter your Trust credit card number as the card number.

    • Payment will take up to 3 working days to process

    Option 2:

    • Alternatively, if 'Pay other bank's credit card' option is available, enter your Trust credit card number as the card number. Payment will take up to 3 working days to process"

    • If you have both Trust savings account and credit card, please ensure that your Trust card is paired with credit card before making payment via this mode. For more details on card pairing, please refer to https://trustbank.sg/faqs/credit-card/#how-does-the-card-pairing-work

How do I know if my credit card is currently enabled or disabled for overseas usage?
  • You can check if your credit card is enabled or disabled for overseas usage in a few easy steps: 1. Log in to your Trust App 2. Go to 'Money' 3. Select 'Card Settings' 4. Select 'Physical Card Use' and check the setting for overseas usage

Can I use my credit card overseas?
  • Yes, certainly! You can enable your physical credit card for overseas usage before you travel in a few easy steps: 1. Log in to your Trust App 2. Go to 'Money' 3. Select 'View and manage card' 4. Select 'Transaction controls' 5. Under 'Physical card use', turn on the setting for Overseas use Do note that you will need to first activate your physical credit card if it's new, replaced or renewed.

What's the difference between magnetic stripe and EMV chip transactions?
  • The magnetic stripe behind your physical credit card contains your credit card information and is easy to clone. On the other hand, the EMV chip on the front of your card contains a microprocessor chip that uses encryption to prevent its contents from being replicated. The EMV chip card complies with the Monetary Authority of Singapore's enhanced standard of data security and offers better protection against fraudulent activities. For magnetic stripe transactions, the merchant sales staff will swipe your card. However, for EMV chip transactions, your card will be inserted into a point-of-sale (POS) terminal.

How do I disable my credit card for overseas usage?
  • You can disable your physical credit card for overseas usage in a few easy steps: 1. Log in to your Trust App 2. Go to 'Money' 3. Select 'View and manage card' 4. Select 'Transaction controls' 5. Select 'Physical card use' and turn off the setting for Overseas use

How does the card pairing work?
  • Card pairing is a feature that gives you the flexibility to pair your card with either your credit card account or savings account. Do note that it's only available for customers who own both products. If you would like to switch the pairing: 1) From credit card account to savings account Tap the "Pair card" button in "View and manage card", and tap ‘Pair with savings account’. Subsequently, all transactions done on your card (including previous automatic payments) will be charged to your savings account. 2) From savings account to credit card account Tap the “Pair card” button in “View and manage card”, and tap ‘Pair with credit card account’. Subsequently, all transactions done on your card (including previous automatic payments) will be charged to your credit card account. The transactions will be billed to you when your statement is ready. ATM cash withdrawals You have the option of selecting to withdraw cash from either your savings account or credit card account at the ATM. The funds will then be withdrawn based on this selection. To avoid charges, we recommend that you select ‘Savings Account’ for ATM cash withdrawals so they are withdrawn from your savings account. If you choose to withdraw cash with your credit card account, charges for cash advance will apply.

What process will my transaction undergo when I switch from credit card to debit card (or vice versa) using the pair feature?
  • After you tap the "Pair with savings account" button in the Trust App, we'll send a push notification to confirm this change has been completed. Transactions When your card is linked to your Savings Account by Trust, all your new credit card transactions (including automatic payments previously done set up on your credit card while it was paired with credit card account) will be taken deducted from your savings account. Any transactions that were authorised before you tap the "Pair with savings account" button (i.e. those that appear as ‘pending’ in the Trust App) will still be processed as Trust credit card transactions on your credit card account. ATM cash withdrawals You have the option of selecting to withdraw cash from either your savings account or credit card account at the ATM. The funds will then be withdrawn based on this selection. To avoid charges, we recommend that you select ‘Savings Account’ for ATM cash withdrawals so they are withdrawn from your savings account. If you choose to withdraw cash with your credit card account, charges for cash advance will apply.

Will the pair feature still work if I close either my credit card or debit card?
  • The pair feature is only available to customers with both Trust credit card and debit card/savings account. This means that if you close the Trust credit and/or debit card, the pair feature will no longer be available to you. After your Trust credit card is closed, all your future spending on your Trust card will be deducted from your Savings Account by Trust. Similarly, after your Trust debit card is closed, all your future spending on your Trust card will be deducted from your Trust credit account.

What happens to refunded transactions after I've used the pair feature?
  • If your transaction was still ‘pending’, the reversed amount will go to the credit or debit card that you’ve used to make the transaction.

    However, if your transaction is ‘completed’, the refunded amount will go to the credit or debit card that you are paired to at that point in time.

I made a transaction using my debit card yesterday, can I pair it to my credit card instead?
  • If the transaction has been authorised and is being processed, it can't be changed. That means the payment you've made will be charged to your debit card.

After I tap 'pair', how long does it take for the change to take effect?
  • After tapping the pair feature, the change will take effect immediately and all future transactions will be charged into the card you've paired to.

If I want to repay my credit card bill, do I need to pair back to my credit card before doing so?
  • Yes, you will need to pair it to your credit card to repay your credit card bill.

I would like to apply for a Trust supplementary card. Where can I get one?
  • We do not have a supplementary card option at this point in time. Please stay tuned for updates!

How can I get a free credit report?
  • You may obtain it within 30 calendar days from the date of approval or rejection of your credit card application via the credit bureau website listed below. Alternatively, you may present the approval or rejection email and your NRIC/passport to the following credit bureau’s registered office to obtain a free credit report. Credit Bureau (Singapore) Pte Ltd 2 Shenton Way, #20-02 SGX Centre 1, Singapore 068804 www.creditbureau.com.sg

Who are regulated customers?
  • Regulated customers are Singapore citizens or Singapore permanent residents, whose annual income is below SGD 120,000.

What is the significance or impact of being a regulated customer?
  • It will affect the maximum overall credit limit for Singapore citizens and Singapore permanent residents that can be assigned for unsecured credit facilities across Trust and Standard Chartered : - For regulated customers whose annual income is between SGD 30,000 to less than SGD 120,000: Up to 4 months' income - For regulated customers who are aged above 55 years old whose annual income is less than SGD 30,000: Up to 2 months' income

If I am a regulated customer, what has my Standard Chartered credit limit got to do with my application for the credit card?
  • If you already have an existing unsecured credit facility with Standard Chartered and wish to apply for a credit card, Trust will need to apply the overall credit limit to your unsecured credit facilites across Standard Chartered and Trust. For example, if your monthly income is SGD 5,000, then your overall credit limit is SGD 20,000 (4 times your monthly income). If your Standard Chartered credit limit is SGD 12,000, Trust will be able to grant you a credit limit of up to SGD 8,000, unless you decide to transfer your credit limit from Standard to Trust (link to next question). Here are some illustrations to help you understand this better: If you would like Trust to decide your credit limit, click here. If you would like to decide your own credit limit and would like a Trust credit limit that is higher than what has been assigned to you, click here. If you would like to decide your own credit limit and are happy with the Trust credit limit assigned to you, click here.

Why am I provided with the option of transferring my credit limit from Standard Chartered products to Trust?
  • This option can be an alternative in the event that Trust is unable to approve your preferred credit limit based on our credit assesment of your application. You can get a credit card by transferring some of your unutilised credit limit from your existing Standard Chartered products to credit card. Another thing to note: This is only applicable for regulated customers and it is a one-time transfer available at the point of your credit card application and no reversal can be made once you choose to proceed with this credit limit transfer option.

Can I reinstate my original credit card limit with Standard Chartered after I choose to proceed with transferring my credit limit to Trust?
  • The option to transfer available credit limit from Standard Chartered to Trust is an exclusive option provided to you only during your credit card application with Trust. As this is a one-time process, no reversal can be made once you proceed with this option.

When will the limit change be effective?
  • Trust will grant you the limit immediately. Standard Chartered will also notify you of the limit change (if you opted for a transfer of limit).

I have multiple credit cards with Standard Chartered with different limits. How will you apportion the revised limit among all my cards?
  • The credit card limit assigned by Standard Chartered is common across all credit cards held by you. For example, if your credit card limit is SGD 20,000 and you have 3 credit cards, the total spend across the 3 cards will be capped at SGD 20,000. Therefore, any limit you transfer to Trust will reduce the overall credit card limit you have with Standard Chartered.

If I cancel my credit card in the future, will Trust automatically transfer my credit limit back to my Standard Chartered products?
  • No, it would not be possible to automatically transfer your Trust credit limit back to your Standard Chartered credit products. You can however request for an increase in your credit limit via Standard Chartered customer care. Don't hesitate to call our Customer Care Team for assistance. Reach us via: - Live chat or voice call on your Trust App - OR call us at +65 313-TRUST (+65 3138 7878) You may also contact Standard Chartered service hotline to further assist you. Visit www.sc.com/sg/help/contact-us/ for more information.

What happens if I am not a regulated customer now but become a regulated customer later on?
  • Your credit limit will be reviewed and will be adjusted if your overall credit limit with Trust and Standard Chartered has exceeded the prevailing regulatory limit. If your existing outstanding balance exceeds the regulatory limit, you are required to pay off the excess balance above your revised credit limit with Trust. Otherwise, charges will apply accordingly.

I just signed up for my NTUC Union membership. When will my NTUC Union membership status be reflected in Trust records?
  • If you receive/have received confirmation from NTUC by the 18th of the given month for your successful NTUC Union membership sign up either via a eDM or welcome pack, we will update your NTUC Union membership status in our records within the same month. Note that in exceptional circumstances, we may take up to 60 days to update your NTUC Union membership status in our records from when we first learnt about your NTUC Union membership status change.

How do I know if my NTUC Union membership status has been updated at Trust?
  • Once your NTUC Union membership status is updated at Trust, your digital card face in the Trust App will be updated to the NTUC Link Credit/Debit Card face.

Will my card details be changed once my digital card face is updated in the Trust App?
  • No, your card details will remain the same, as we do not want any of your recurring payments and card on file payments to be declined. However if you want a new physical card, you can request for a lost card replacement via the Trust App. Note that your card details will be affected after a lost card replacement.

I just signed up for my NTUC Union membership. Do I need to inform Trust?
  • You do not need to inform us. You will receive a eDM from us that your NTUC Link Credit/Debit Card benefits is effective.

I am holding on to the non-union card. When do I start enjoying the NTUC Link Credit/Debit Card benefits?
I see the NTUC Link Credit/Debit digital card on my app. Can I start to enjoy the NTUC Link Credit/Debit Card's benefits immediately?
On my Trust App, the card is showing the NTUC Link Credit/Debit Card, but I am still holding on to the Trust Link Credit/Debit Card. Will the NTUC Link Credit/Debit Card be mailed to me?
If I choose to replace my existing Trust Link Credit/Debit Card with the lost card replacement option, can I still use my physical Trust Link Credit/Debit Card to earn Linkpoints in the meantime?
Can I decrease my credit limit?
  • You can decrease your credit limit in a few steps on your Trust App:

    • Go to Account Settings > Settings > Decrease your credit limit

    • Tap and drag the slider to set your desired credit limit and confirm

    • Note that you’ll not be able to increase your credit limit after your credit limit decrease is confirmed

How long does it take to process the credit card bill payment from my Trust savings account?
  • The transfer will be processed in real time to your credit card and you’ll receive an immediate confirmation.

Can I set up a recurring transfer for my credit card repayments?
  • We are working hard to make this feature available to you at the earliest. Stay tuned!